Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.7 and a net worth ratio of 14.7. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.8 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.3 percent of nonperforming loans to core capital combined with 7.7 percent from a year earlier contributes to the Excellent asset quality (7.0). Good liquidity 6.3, driven by a liquidity ratio of 51.7 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (42%), other (58%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
107 South Louisiana Street
Abbeville, LA 70510
Abbeville, LA 70510
Phone Number
(337) 898-1388
NCUA Charter Number
Website
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